Annuities - Overview
Are you looking for Tax Deferred Annuities?
Are you looking for Income Annuities?
Are you looking for Annuity Exchanges?
What is an Annuity?
With the future of Social Security in question and company pensions quickly becoming a thing of the past, retirement is no longer as certain as it once was. An annuity is a secure investment that can guarantee income for your retirement.
Why is an Annuity so important?
Retirement planning can be a bumpy road. Without the right investment vehicle, you may outlive your savings or suffer a lower quality of life to make ends meet. The government doesn’t make it easy, either. Taxes, Medicaid, estate planning, and a variety of other factors add to the uncertainty, putting your financial security in question.
Retirement is your opportunity to live your dreams. Don’t spend it on a modest income or, even worse, burdening your family financially. With an annuity, you can guarantee income for the rest of your life, so you can enjoy your golden years without worrying about the finances.
If you’re planning for retirement, you can obtain a free annuity quote by filling out the form to your right. Our team of highly skilled annuity specialists will work with you to develop a plan that fits your budget and income needs.
What is a Tax-Deferred Annuity?
401(k)s and IRAs are great for avoiding high taxes while saving for retirement, but there are limits on how much you can save. A tax-deferred annuity gives you another way to save that doesn't have these contribution limits, allowing you to save more and live better throughout your golden years.
Why is a Tax-Deferred Annuity so important?
Taxes can be a real drain, especially if you're in a higher tax bracket. Like it or not, that's money you'll never see again. Unfortunately, sponsored retirement savings plans have built-in restrictions, which can keep you from reaching your retirement income goals.
A tax-deferred annuity is the perfect compliment to existing retirement savings. You can defer more for later with fewer restrictions, all the while avoiding high taxes just as effectively as a 401(k). Instead of living within your means, you can look forward to retiring with confidence and security.
If you’re planning for retirement, you can obtain a free tax-deferred annuity quote by filling out the form to your right. Our team of highly skilled annuity specialists will work with you to develop a plan that fits your budget and income needs.
What is an Income Annuity?
Many retirement options involve a limited, depleting lump sum to live off for the rest of your life. As people live longer and government retirement benefits become less reliable, the chance of you outliving your nest egg is more likely every day.
An income annuity can guarantee you a regular, pension-like income for the rest of your life.
Why is an Income Annuity so important?
Retirement is a time to reward yourself for a lifetime of work. How do you want to spend it? Do you want to count the years and budget your savings sparingly? Worse still, do you want to live well and run the risk of exhausting your savings early?
Of course not. You want to enjoy your retirement, not spend it worrying about the finances. An income annuity let’s you do just that. With a guaranteed paycheck every month for the rest of your life, you can make your golden years truly golden.
If you’re planning for retirement or interested in annuitizing your current retirement savings, you can obtain a free income annuity quote by filling out the form to your right. Our team of highly skilled annuity specialists will work with you to develop a plan that fits your budget and income needs.
Retirement planning doesn’t have to be a hassle. With a variety of providers and options available, your annuity can be customized to meet your retirement income goals without exceeding your budget. Here are some annuity benefits you may not have known about.
Annuity Services
Guaranteed Income
Your annuity can be structured to pay out as a lump sum, for a fixed period of years, or even for the rest of your life, giving you income that you can’t outlive.
Competitive Rate of Return.
Most annuities return at a rate equal to or greater than Certificates of Deposit (CDs).
Zero Risk.
With a guaranteed minimum rate of return of 3% to 4%, you’re guaranteed to turn a profit no matter what.
Tax-Deferral.
Contributions to your annuity are not taxed until you withdraw.
Medicaid Qualification.
Your annuity can be structured to shelter assets, allowing you to qualify for Medicaid more easily without sacrificing quality of life.
Probate Avoidance.
By naming a beneficiary, your annuity can bypass the lengthy and potentially expensive probate process.
Liquidity.
You can withdraw money from your annuity when you need it, subject to certain limitations.
To learn more about these and others benefits of annuities, please fill out the form above.
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